First Security Bank of Deer Lodge: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.53 percentage points higher than in Q1 2026, at 4.83%. First Security Bank of Deer Lodge ranks 6th of 35 Montana banks on net interest margin, in the upper half at 4.83% (Q2 2026). First Security Bank of Deer Lodge reported 4.83% on net interest margin for Q2 2026, 0.94 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.59% |
| Yield on loans | 6.94% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.83% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $358K |
| Interest expense on deposits | $358K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans |
|---|---|---|---|---|
| Q3 2023 | 5.96% | 1.86% | 4.33% | 5.97% |
| Q4 2023 | 6.12% | 1.70% | 4.57% | 6.15% |
| Q1 2024 | 6.02% | 2.25% | 4.13% | 6.05% |
| Q2 2024 | 6.33% | 2.85% | 3.95% | 6.45% |
| Q3 2024 | 6.39% | 2.98% | 3.82% | 6.57% |
| Q4 2024 | 6.53% | 2.61% | 4.17% | 6.68% |
| Q1 2025 | 6.22% | 2.29% | 4.02% | 6.57% |
| Q2 2025 | 6.40% | 2.30% | 4.27% | 6.62% |
| Q3 2025 | 6.41% | 2.19% | 4.41% | 6.70% |
| Q4 2025 | 6.34% | 2.14% | 4.42% | 6.82% |
| Q1 2026 | 6.11% | 1.99% | 4.30% | 6.71% |
| Q2 2026 | 6.59% | 1.91% | 4.83% | 6.94% |
First Security Bank of Deer Lodge yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank of Deer Lodge, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Security Bank of Deer Lodge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20657) · FFIEC NIC profile (RSSD 670654)